ADAPTIVE DIGITAL BANK

Banking and financing services, on-line banking services, banking and financial consultation, mortgage banking, mortgage lending, student loan services, consumer and commercial lending services, and loan financing; home equity loans; issuing of letters of credit; fund investment consultation; financial services, namely, money lending; checking and savings account services; credit and debit card services, namely, processing of credit card payments and debit card payments and withdrawals; electronic cash and debit transactions services, namely, electronic cash transactions and electronic debit card transaction processing, and electronic funds transfer services